What is the best car insurance in California for young adults? This question is about Car Insurance in California

What is the best car insurance in California for young adults?

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This question is about Car Insurance in California

Anamarie Waite, Car Insurance Writer

@anamarie.waite • 03/13/20 This answer was first published on 03/13/20. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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The best car insurance companies in California for young adults are Wawanesa, USAA, and CAAA. The best car insurance for young adults in California offers great coverage at an affordable price, especially for young drivers with a few years of experience behind the wheel. Insurance companies cannot use your age as a determining factor in setting premiums in California. But they can consider how many years of driving experience you have, as well as how many years you have been continuously insured. This is why young adults still tend to pay more for car insurance than older, more experienced drivers.

Quotes for the same driver can vary by as much as $1,000 in California, so it’s important for young adults to compare rates for the cheapest insurance. And there are a few notable options to put at the top of the queue when doing so.

The Best Car Insurance Companies in California for Young Adults

Wawanesa: $1,035 per year
USAA: $1,165 per year
CSAA: $1,232 per year
Mercury: $1,313 per year
Progressive: $1,328 per year
Geico: $1,756 per year

The best auto insurance in California also has high customer satisfaction ratings, especially when it comes to resolving claims.

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How Car Insurance Works in California

When an accident occurs, the police determine who’s at fault. Then, to collect payment for their losses, victims must file a claim with the at-fault driver’s insurance company. Liability insurance is the type of insurance that pays victims’ claims, and all drivers in California are required to carry it.… read full answer

Although you’re not required to carry any other kind of car insurance in California, you may want to protect yourself in case of an accident, too. For example, if you are at fault in a crash, your car can be covered by collision insurance. Medical payments coverage can pay your medical bills.

What No-Fault State Means for Car Insurance

In a no-fault state, each driver in an accident is responsible for covering their own losses through their insurance company. No one needs to prove who caused the accident to be covered. These states have different types of mandatory insurance, such as personal injury protection, which covers medical bills, costs related to medical care like transportation expenses, and lost wages.

Because of the required personal injury protection, or PIP, drivers in most no-fault states – like Florida, Michigan, New Jersey and New York – pay more for their insurance than California residents. Being a “fault” state helps keep California around the middle of the state rankings for insurance costs.

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How much is car insurance for a 25-year-old?

Car insurance for a 25-year-old costs $862 per year, on average, or $72 per month. USAA, Geico, and Progressive drivers pay more for car insurance than older, more experienced drivers because insurers consider them to be high-risk, meaning they’re more likely to file a claim.

The exact cost of car insurance for a 25-year-old depends on a … read full answer few factors, including their driving record, gender, location, vehicle, and car insurance company. Some of the best insurance companies for 25-year-old drivers are USAA, Geico and Progressive.

Cost of Car Insurance for a 25-Year-Old by Company

Company	Cost
USAA	$736
Geico	$770
Progressive	$773

To learn more, check out WalletHub’s guide to the best car insurance for teens and young drivers.

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How much is car insurance for a 21-year-old?

The average cost of car insurance for a 21-year-old is $1,250 per year, or about $104 per month. Twenty-one-year-old drivers pay more for car insurance than older, more experienced drivers because insurers consider them to be high-risk, meaning they’re more likely to file a claim

Because the cost of coverage for 21-year-olds is so high, it’s important to shop around for multiple quotes before buying a policy. Some of the best car insurance companies for 21-year-old drivers are … read full answer USAA, Travelers and Geico.

Cost of Car Insurance for a 21-Year-Old by Company

Company	Cost
USAA	$920
Travelers	$933
Geico	$1,088

The exact cost of car insurance for a 21-year-old depends on a few factors, including their driving record, gender, and vehicle type. Additionally, whether a 21-year-old is buying their own policy or being added to their parents’ policy makes a difference.

Adding a 21-year-old to an existing policy will raise the premium by an average of 140% to 160%. But even with the added cost, it’s still a more cost-effective option than having the driver purchase their own policy.

To learn more, check out WalletHub’s guide to the best car insurance for teens and young drivers.

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